Okay, thank you.
That's very valuable, because I think most people don't understand all of the roles the Bank of Canada plays.
If I can get way off topic here, I do want to recognize Paul Jenkins for all of the advice he has helped me with on pensions. I don't think many people realize the involvement the Bank of Canada has had in pensions, the studies you have done. I appreciate, Paul, all of your advice on this process.
Very quickly, I read a quote from Christian Noyer, if I'm pronouncing it properly, the central bank governor of France. He's suggesting that there are signs of resumed risk-taking practices reminiscent of those that led to the crisis. To your comments, I hope we've learned from this about how difficult it has been to deal with this. I hope we've learned and don't go back into the risk-taking we had before. I'm sure that's the role you've been playing.